Simultaneous Voice and Data Content Driven Commercial Data Platform

ABSTRACT

Methods and systems are disclosed that facilitate a commercial data platform that enhances the interaction between a dialer and receiver during a voice call by simultaneously delivering and tracking data content that promotes ongoing commerce and interactions between these parties. One such system includes first and second interaction managers on a dialer device and a receiver device that transmit first and second sets of interaction data to a database during a call. A server obtains receiver content data from the database using the receiver identifier, transmits the receiver content data to the dialer device, obtains dialer content data from the database using the dialer identifier, transmits the dialer content data to the receiver device, and stores data from both the first set of ID and the second set of ID in the database in association with both the receiver identifier and the dialer identifier.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims priority to U.S. Provisional Application No.62/611,690, filed Dec. 29, 2017, which is incorporated by referenceherein in its entirety for all purposes.

BACKGROUND

Every year of the information age bears witness to the continueddevelopment of more ways to allow people to communicate and disseminateinformation. However, person-to-person voice communication over atelephone remains one of the most effective and preferred ways forpeople to communicate. Even when people use the internet to search, theyoften follow up their search with a phone call. Indeed, market analystshave found that 48% of local mobile web searches end with a telephonecall. Furthermore, inbound telephone calls are rated as the highestquality form of sales leads because people will only tend to call abusiness when they are almost ready to make a purchase for goods orservice. Telephone calls therefore represent a high value potentialsales channel for businesses and a high value information channel forindividuals.

Despite the high value of the information generated by voiceinteractions for both customers and businesses, the useful dataassociated with a voice interaction is generally lost once a call isconcluded. This is particularly true for individuals and smallbusinesses who can't afford enterprise-grade call management systems.Furthermore, for all their benefits, voice interactions can fall shortin certain tasks where visible communication, augmented bysimultaneously sharing data content, could be more efficient such asdisplaying a person's name, a restaurant order, an image of a productoffering, or a credit card number to someone who is using theinformation to complete a transaction.

SUMMARY

This disclosure relates to a commercial data platform. The platform isbased around voice communication, but augments this voice communicationwith both the delivery and retention of valuable data regarding thatvoice communication. Methods and systems are disclosed that enablemultiple parties to conduct real time commerce and personal interactionsin a content rich and voice enabled network environment using devicesthat obtain content/data from, and actively write content/data to,proprietary and public web-based and cloud-based computing environments.The devices can be mobile phones with the capability to display contentto their users. The same content/data is employed to enhance andpersonalize active and future interactions using the platform, thusproviding an ecosystem for building strong, lasting, and mutuallybeneficial person-to-business, business-to-business, andperson-to-person social relationships that further encourage and promoteongoing commerce and interactions between these parties.

Currently, when a prospective customer (dialer) dials a business(receiver) the customer will normally see only the phone number of thedialed business displayed during the entire voice call. Likewise, thebusiness would see the phone number of the incoming caller on theirdevice. Neither the customer nor the business currently has theopportunity during the voice call to simultaneously send data content toeach other that can enrich the call experience by visually displayinginformation about each other, current customer needs and/or businessofferings, or any information about past interactions the customer andthe business may have had with each other. Methods and systems aredisclosed that would provide the ability of a dialer and receiver,during the voice call itself, to share and interact with valuable datacontent on their respective devices that would enrich the callingexperience for both parties and facilitate any potential transaction.This would include for example being able to share data content inreal-time, view past interaction data, and store ongoing interactionsduring the call to further enhance current and future interactionsbetween the parties. These approaches would thus bridge the gap betweenthe current voice call, that is almost entirely void of data contentrelated to the purpose of the call, and the modern Internet age wheredata content is displayed that visually enriches our experiences. Also,by storing the interactions and data content exchanged during a call,this invention provides a “memory” to both the caller and the receiverof the relationship between the parties, and would be the next bestthing to having a person-to-person interaction.

This disclosure includes a system that enables a commercial dataplatform. The system includes a dialer device, a receiver device, adialer that is programmed to initiate a call between the dialer deviceand the receiver device using a receiver phone number, a server, and adatabase. The system also includes a first interaction manager stored onthe dialer device, and programmed to transmit a first set of interactiondata to the database during the call. The system also includes a secondinteraction manager stored on the receiver device, and programmed totransmit a second set of interaction data to the database during thecall. The server is programmed to obtain receiver content data from thedatabase using the receiver phone number and/or other unique identifier,transmit the receiver content data to the dialer device, obtain dialercontent data from the database using the dialer phone number and/orother unique identifier, transmit the dialer content data to thereceiver device, and store data from both the first set of interactiondata and the second set of interaction data in the database inassociation with both the receiver phone number and/or other uniqueidentifier and the dialer phone number and/or other unique identifier.As used herein and in the appended claims the term “identifier” includesboth a phone number or other unique identifier.

The simultaneous voice and data content driven commercial data platformsdisclosed herein effectively enable a relationship manager for consumersusing the simultaneous voice and data content driven commercial dataplatforms, thereby putting them on the same footing as large enterpriseswith complex relationship management software and data mining. However,using the simultaneous voice and data content driven commercial dataplatforms disclosed herein the consumers are able to manage theirrelationships with various vendors and keep track of their overallcommercial endeavors on a massive scale with almost no effort requiredon their part besides the use of an effective communication channel withthose vendors. Indeed, the simultaneous voice and data content drivencommercial data platforms disclosed herein enable additional featuresabove and beyond those offered by enterprise-grade customer relationshipmanagers and should instead be referred to as commercial relationshipmanagers owing to the fact that they allow for management of commercialdata on both the consumer and the vendor side of a relationship. Assuch, the term CRM is used herein to refer to the ability of a platformto manage commercial relationships generally, and not just consumerrelationships.

As mentioned previously, the simultaneous voice and data content drivencommercial data platforms disclosed herein allow for the usage of CRMson both the consumer and the vendor side of a relationship, and they doso by facilitating an effective communication channel between theconsumer and the vendor. Rather than simply providing a flat, blank,call screen, some of the approaches disclosed herein add a visual layerof communication to a standard voice communication. In the approachesdisclosed herein in which the consumer and/or vendor are communicatingusing smartphones with display screens, the commercial data platformallows for the display of information on the screen of the device duringthe call. The screen can be used to display information about thevendor's establishment and offerings generally, the specific good orservice that is the object of the current call, the past relationshipsof the consumer and vendor, and any other information that canfacilitate an effective interaction between the consumer and vendor forpurposes of building trust and improving their business relationship.

Numerous specific examples of the above-mentioned features are providedin the detailed description below. However, to illustrate the two-foldbenefit of the disclosed simultaneous voice and data content drivencommercial data platforms consider the situation in which a consumer'soptions for a pizza order are displayed on the screen of a phone duringa voice call. The display of the options enhances the consumer'sselection process because the images of the pizza can be curated by thevendor to make them look appealing and to provide information thatspoken words alone cannot. The inclusion of a visible channel ofcommunication also prevents miscommunications regarding the content ofthe order because the order can be displayed visibly to the consumer andvendor at the same time. Numerous other benefits from a communicationperspective are provided in terms of the presentation of informationusing the visible channel provided by the platform. In addition, thefact that this information was provided to the user via the simultaneousvoice and data content driven commercial data platform allows theinformation to be stored for later use. The next time the consumer callsthat vendor, their prior order will be available for presentation on thedisplay or reordering in an ultra-convenient fashion. Any incentives orcoupons earned based on continued patronage can also be tracked usingthe data. Furthermore, the history of interactions can be used by thevendor to provide the level of attention and valued respect that arepeat customer is due, or to suggest additional offerings that may beappealing to a given consumer. Therefore, just by allowing the consumerand vendor to use the platform to share images of a pizza, and thereceipt of an order for that pizza, a large number of opportunitiesarise for enriching the commercial relationship of the consumer andvendor.

The benefits of the CRMs described above are not restricted to largeenterprises. Using the simultaneous voice and data content drivencommercial data platform disclosed herein, small business andindividuals are able to obtain the same access to valuable commercialinteraction data for commerce enrichment. The devices used by users ofthe platform can include basic personal computers with built-in phonedialers, smartphones, wearables with dialer connectivity, and any otherdevice that can be used to both make a phone or voice call through VoIPmessaging applications, and present interaction data to a user. Indeed,in certain approaches, only one of the users needs access to theinteraction data, and the other user can be connected only indirectly tothe platform through the other user. In these examples, one user couldbe utilizing a basic telephone and interaction data could be sent fromthe other user's device to the platform. For example, one user could beoperating a smartphone and inputting data to the platform using anapplication on their device while speaking to a user operating a basictelephone. Furthermore, although the system benefits from situations inwhich both users have devices that can provide voice and data to theplatform, the system does not require both users to have access to thesame type of devices.

The data mined, and further processed with artificial intelligence andmachine learning, from usage of the simultaneous voice and data contentdriven commercial data platform can also be used by a large number ofvendors to facilitate an entire business network and ecosystem basedaround the platform. For example, vendors offering complementaryservices can offer incentives and promotions to a user based onknowledge regarding that customer's consumption of complementary goodsand services. The vendors could team up to share the cost of theseincentives in exchange for an increase in customer consumption acrossall categories. The data could also be used to facilitate a liquidplatform-centric currency offered to consumers using the commercial dataplatform either by the platform administrator or by vendors using theplatform. The platform could track usage of the currency as it was usedin user-to-user transactions on the platform. Aside from offeringpromotions, knowledge of a particular consumer's consumption patternscould be beneficial in terms of offering a high value potential clientthe attention and respect they are due even if a particular vendor hadno prior interactions with that client and would not have otherwiseknown that they represented a high value potential businessrelationship. The data mined, and further processed with artificialintelligence and machine learning, could also be used by consumers toobtain recommendations for or from vendors of particular goods andservices that have been consumed by other consumers using the platformwith high volume or regularity. More specific examples of these benefitsand how the mined data can be utilized are provided in the detaileddescription below.

BRIEF DESCRIPTION OF FIGURES

FIG. 1 illustrates a commercial data platform system for a call betweena dialer device and a receiver device to facilitate a simultaneoustransfer of voice and data content in accordance with specificembodiments of the present invention.

FIG. 2 provides data tables that can be instantiated by a database for adata model of a commercial data platform in accordance with specificembodiments of the present invention. The tables shown are non-limitingand for illustrative purposes.

FIG. 3 illustrates a dialer device with a dialer display and a receiverdevice with a receiver display, displaying information before and duringdialing, and after the devices have received content from a server inaccordance with specific embodiments of the present invention.

FIG. 4 illustrates the devices of FIG. 3 displaying information, duringa voice call and after receiving new content from the server, inaccordance with specific embodiments of the present invention.

FIG. 5 illustrates the devices of FIG. 3 displaying information, duringthe end of a voice call and after receiving new content from the server,in accordance with specific embodiments of the present invention.

FIG. 6 provides a flow chart and block diagram for a method for use ofthe system of FIG. 1 in accordance with specific embodiments of thepresent invention.

DETAILED DESCRIPTION

The following is a detailed description of systems and methods forfacilitating simultaneous voice and data content driven commercial dataplatforms, followed by a description of the various functionalities thatare enabled by such simultaneous voice and data content drivencommercial data platforms. These examples are non-limiting and areprovided for illustrative purposes. For example, numerous examples inthis description are limited to cases where both parties to aconversation are utilizing smartphones or other mobile devices, but theplatforms described herein function regardless of what kinds of devicesare being used to access them. Furthermore, numerous examples in thisdescription are limited to cases where two parties are using theplatform in combination with a data channel as well as a voice channel.However, the approaches disclosed herein provide certain beneficialfunctions regardless of whether only one party is connected to theplatform via a data channel or the voice channel. For example, one partycould only have access to a voice channel and indirectly provide data tothe platform via the other user's device. As another example, one partymight not be connected via a voice channel and might only be accessiblevia the data channel. Specifically, a vendor may set up an IVR system tohandle all incoming traffic calls by routing the device to the datachannel without ever establishing a voice channel.

FIG. 1 illustrates a system 100 that can be used to facilitate asimultaneous voice and data content driven commercial data platform. Thesystem 100 is based around a dialer device 101 and a receiver device102. In certain approaches, the dialer device 101 and receiver device102 will be connected via both a voice channel and a data channel. Thevoice channel can be a standard voice call connected between the twodevices and facilitated by a circuit-switched network. However, anyvoice connection between the two devices can be utilized such as an IPphone connection facilitated by a packet-switched network 103. Thepacket-switched network 103 can utilize VoIP or other protocols. Thedata channel can be a packet-switched network 103 and can include aserver 104 and a database 105 administrated by the platform. The networkcould include the internet. The dialer and receiver devices can be anydevices capable of supporting a voice call. Although the simultaneousvoice and data content driven commercial data platform can function withusers that are using separate devices for accessing the voice and datachannels, in the system illustrated by FIG. 1, both users are usingdevices that can access both. For example, the devices may besmartphones that are able to support a voice based telephone call whilealso accessing the platform via a data connection such as via theinternet. The data channel could be accessed by an interface presentedon a touch screen of the smartphones that are displayed during the call.The data channel interface could be shown alongside a dialer applicationand be provided by a separate application, or the dialer applicationcould include an integrated window for the data channel interface. Thedata channel interface could be a screen overwrite, or screen overlay,inside, as part of, or on the dialer application screen normally unusedand unchanging during the call duration, for the data channel interface.The devices could also be personal computers, wearables, standardtelephones, or platform specific terminals. The users in the illustratedsituation are a consumer by the name of Jill Smith and a vendor by thename of Mario's Pizza. However, the platform can also be used tofacilitate peer-to-peer and business-to-business communication.

The dialer device includes a dialer that is programmed to initiate acall between the dialer and the receiver device using a receiver phonenumber and/or other unique identifier. The dialer device can receivecommands from a user using a traditional keyboard, auditory inputs suchas voice via a microphone, touch inputs via a touch screen, gesturesdetected by an optical or non-visible light sensor, and any other meansfor providing user input. The dialer can be an application on asmartphone or a computer. The application could be the built-in dialerof a computing device, such as a smartphone, as developed by thedeveloper of the operating system on the computing device.Alternatively, the application could be developed by the platform andinclude multiple functionalities in addition to serving as a phonedialer for establishing a phone call such as providing access to thedata channel described herein. Alternatively, the application could beintegrated with a third-party application such as a social networkingapplication configured to allow the formulation of a voice channelbetween two parties using a receiver phone number and/or other uniqueidentifier associated with one of those parties. The dialer can receivethe receiver phone number and/or other unique identifier via a voicecommand, the selection of a hyperlink, the manual entry of a phonenumber and/or other unique identifier, scanning a QR code, or any othermethod for providing numbers to an application. The dialer can also bean application on a traditional electronic telephone that has beenaugmented for use with the platform. The dialer application can set up avoice call via a traditional circuit-switched network or via apacket-switched network such as via voice over Internet Protocol (VoIP).In any of these situations, and regardless of how the dialer initiatesthe call between the dialer and the receiver device, the receiver phonenumber and/or other unique identifier will be intercepted for use by theplatform. Various approaches for intercepting the receiver phone numberand/or other unique identifier are described in more detail below.

The commercial data platform also includes a server and a database. Asillustrated, in FIG. 1, the server and the database can be connected tothe dialer device and the receiver device through a network. The networkcan be a packet-switched network. The network can be the Internet. Adata channel between the receiver device and dialer device can besupported by software on the receiver device and dialer device, thenetwork, the server, and the database. The data channel can be supportedby a first interaction manager (IM) stored on the dialer device and asecond interaction manager (IM) stored on the receiver device. Theinteraction manager on the dialer device can be programmed to transmit afirst set of interaction data (ID) to the database during the call. Theinteraction manager on the receiver device can be programmed to transmita second set of interaction data (ID) to the database during the call.In approaches in which the devices include applications developed andprovided by the platform, the interaction managers could be included inthose applications. In the specific case of a smartphone with anapplication provided by the platform, the interaction managers could bepart of the same application as the dialer on the dialer device.

The server and database can be part of a cloud based platform. Theserver can be any system of software and suitable computer hardware thatis capable of responding to requests across a network to provide anetwork service. Although the server is illustrated as a single unit ofphysical hardware, the server may comprise multiple physical hardwareunits. The physical hardware units can include personal computers,workstation, and dedicated enterprise server blades. The physicalhardware units can be in a single physical location such as an office ordata center, but they may also be located at separate data centers oroffices. The server can be a virtualized server. Individual networkservices can be provided by individual servers or multiple servers, aswell as individual units of physical hardware or multiple units ofphysical hardware. As the term server is used to describe a system thatprovides multiple network services in certain portions of thisdisclosure, it is implied that the multiple network services are notnecessarily being supplied by a single unit of physical hardware. Thedatabase can be a proprietary database and have a data model that is inaccordance with the detailed description below. This data model isexemplary, and more complex data models can be used with hundreds oftables with different keys to access the data. The database can be arelational or non-relational (e.g., NoSQL) database or any otherdatabase technology supporting high-speed real-time inserts, updates,and reads.

The data model of the commercial data platform can include multiple datatables instantiated by the database. The tables can include a useridentity table, a user relationship table, a content table, aninteraction type table, and an interaction fact table. FIG. 2 providesan example data model for a commercial data platform that includestables 201, 202, 203, 204, and 205. As seen, the tables can beinterrelated to provide a complete record of all interactions occurringusing the commercial data platform which can later be accessed andmined, and further processed with artificial intelligence, machinelearning and deep learning, to provide both consumers and vendors withrich data to enhance their later interactions. As illustrated,interaction data between a receiver and a dialer can be stored inassociation with both a dialer and receiver phone number or other uniqueidentifier. Furthermore, it should be noted that the devices in thecommercial data platform will have access to third party databases suchas social media databases either directly or via the database of thecommercial data platform as the IM on either device will be able torequest the platform to obtain information from alternative databaseswhich would then be stored in the platform's content table.Alternatively or in combination, the platform could be configured torequest content from third party databases and dynamically generateresponses when the requested content from an IM is not located in thedatabase.

The database of the commercial data platform can include receivercontent, dialer content, and interaction data. This data can be accessedin numerous ways to facilitate rich interactions between a dialer andreceiver that are using the platform. As illustrated in FIG. 1, once areceiver phone number or other unique identifier is sent from the dialerto the server, the server can use the receiver phone number or otherunique identifier to obtain receiver content data from the database anddeliver it back to the dialer device. The receiver content data caninclude a profile from the receiver. For example, the profile could be acompany storefront with static or animated images and videos with soundadvertising the vendor's offerings. The storefront could include acompany name and a profile image. Alternatively, the receiver contentdata could include links to a set of interaction data in the database toallow the dialer to begin interacting with the receiver using theplatform before the call is set up between the two devices. The receivernumber can be provided to the server in any number of ways as will bedescribed in more detail below. Once the call is established, dialercontent data could be delivered to the receiver device. The dialercontent data could likewise be a profile for the dialer. The profilecould be a dialer profile with a user name and a profile image. Both thedialer content data and the receiver content data could be pulleddirectly from the database of the platform or it could be dynamicallygenerated by the platform via access to other information sources usingthe internet such as through a third-party API using either the receiveror dialer phone numbers and/or other unique identifiers. For example, ifa receiver did not yet have a profile, the phone number of the receivercould be used in an internet search to obtain a name of the business, alocation, and a few images of the business to produce a profile fordisplay on the dialer device. The server can be programmed to detect anabsence of profile data in order to trigger this dynamic generation of aprofile.

The profile data displayed to a counterparty during an interaction usingthe platform can be configurable and can be specific to thatcounterparty's identity. For example, a user can be given the option toselect images and other information to present as part of theiridentity. The profile can be a storefront for the user. The capabilityto generate this profile can involve selecting options and enteringinformation for a template or it can involve a more flexible tool fordesigning the content such as a drag and drop WYSIWYG interface. Theuser can also configure multiple profiles for display using the systemand can set different rules for who those multiple profiles aredisplayed to. The user could set a specific profile for commercial useand another profile for personal use. The user could set a specificprofile for callers they have a history with and another profile forcallers they do not have a history with. In order to determine whichprofile content should be delivered, the platform could utilize both thedialer's phone number and/or other unique identifier, and the receiver'sphone number and/or other unique identifier. The level of customizationcould drop all the way down to the level of individual callers and theirspecific relationship and/or authentication/authorization levels.Customization at this level could be provided in an automatic fashion bythe platform while allowing the users to customize the automaticstorefronts even more. For example, the storefront provided by Mario'spizza to Jill Smith could be automatically set by the platform todisplay the last order Jill placed with Mario and the number of timesthat Jill has placed an order with Mario generally, but Jill could begiven the option to display a customized picture to Mario when she giveshim a call such as a picture she took the last time she visited hisrestaurant. As another example, the platform could keep track of aconfidence level for each number a person could reach out to. Theconfidence level could continue to rise based on how much interactionhad taken place using the platform between that user and the number, andwhether or not those interactions were positive or not. Users could thenset different profiles up to be displayed based on those confidencelevels where, for example, personal information was held back from beingdisplayed if a confidence level was too low. As another example, thedisplayed information shown on the profiles could also include anassigned valuation of the relationship with the counterparty to thecall. The assigned valuation could be generated dynamically by theplatform based on the accumulated data stored therein from priorinteractions between the parties to the call. More specifically, andreturning to the call between Jill and Mario, the data in the platformcould be used to generate and display a grade of “A+” to Mario to remindhim that Jill is a repeat customer that should be treated with extracare and attention.

FIG. 3 illustrates a specific example of a dialer device 301 with adialer display 302 and a receiver device 303 with a receiver display 304displaying information before and during dialing, and after the server104 has delivered receiver content and dialer content to the respectivedevices as shown in FIG. 1. As seen, the profiles delivered to each ofthe devices are specific to both the receiver and the dialer. In thissituation, the profiles delivered to each of the users, for exampleMario's profile 305 and Jill's profile 306, have also been curated byeither the platform or the individual users to reflect the relationshipthat has already been established between the users. This illustrationalso provides an example of how the commercial data platform cangenerate data for display using prior interaction data. In each of thedisplays 302 and 304, the counterparty has been assigned a ranking interms of how often prior interactions have occurred to generate a labelof “A+” which reminds the user of the value they should place on theirrelationship with the counterparty.

The manner in which interaction data is obtained for usage by theplatform can also be described with reference to FIG. 1. Interactiondata can be provided to and from the dialer and receiver devices to theserver of the commercial data platform using interaction managersoftware stored on the device. The interaction manager will requestinformation from the database and receive information from the database.It may also receive information from external databases that areaccessed by the server. The interaction manager can receive data that ispushed from the database without a request being sent. As such, thesoftware that facilitates interactions between the two devices along thedata channel of the platform can be spread out amongst the server, thedialer device, and the receiver device. The first and second interactionmanagers can be programmed to transmit a first and second set ofinteraction data to the database during a call between the dialer deviceand the receiver device. The interaction data can be stored in thedatabase for later use. The interaction data can be any data relating tothe interaction between the dialer and the receiver during the call. Forexample, the second set of interaction data can involve a menu pushedfrom the receiver to the dialer through the data channel, and the firstset of interaction data could include a selection of an item on thatmenu by the dialer. In these situations, the interaction data is beingstored in the database and is also being passed through the platformfrom one device to the other to facilitate the current interactionbetween the devices such that the server and database are serving aspart of the data channel between the two devices. For example, theinteraction data sent from a vendor-receiver to a consumer-dialer couldbe a sales offer, while the interaction data sent back from theconsumer-dialer to the vendor-receiver could be a purchase ordergenerated in response to that offer. Any commercial interaction could befacilitated through this data channel via the transmission of varioustypes of data. In keeping with the prior example, the interaction couldcontinue with additional interaction data in the form of a receipt sentfrom vendor-receiver to the consumer-dialer. The data would be bothchanneled through the platform and stored by the platform for later use.The interaction data can also include information that is not providedfrom one device to the other such as payment information provided by thedialer device to the platform for forwarding to a payment processor.Even though the payment information is not provided to the receiverdevice it can still be referred to as interaction data herein because itrelates to the interaction between the dialer and the receiver and it isultimately provided to one of the devices.

The interaction data provided during the call can be a subset of theinteraction data pushed by each of the devices to the server. Theinteraction data that is sent between the device can facilitate ahigh-level of interaction between the receiver and the dialer. Incertain approaches, the data channel of the commercial data platformwill serve as a virtual table top to allow for the dialer and receiverto collaborate, and the interaction data sent during the call will berepresented on this table top. The interaction data exchanged betweenthe dialer and receiver is saved in a database and is, in turn, madeavailable to enrich the current voice call as well as any future calls.Over time, a rich history of all past interactions is obtained and isreadily available to both parties to further enrich the long-termrelationship between the parties.

In the example of Jill and Mario, Mario could use the table to presentcoupons or deals to Jill in real time as Mario took Jill's order. Mariowould also be able to pull information from the database concerning Jillsuch as the upcoming anniversary of a special event that she previouslyreserved a table for in order to offer her the opportunity to celebrateat Mario's again this year. Jill could also request additionalinformation such as a picture of the inside of the restaurant's newexclusive private room for large parties, which Mario could provide inreal time during their call. The data channel could also be used forMario to provide Jill with a coupon for her next order at the conclusionof their call where an image of the coupon was provided to Jill's phonein the form of interaction data and stored in the database for later useby Jill the next time she called Mario. The data channel could also beused to provide platform wide incentives such as a specialized currencythat can be used across all vendors that participate in the platform. Asshown in FIG. 4, during a voice call and after receiving new contentfrom the server 104, the display 304 on Jill's phone can show receiverdevice receiving information 307 which shows, for example, that Mariohad prepared a food order to be received by Jill according to herpreferences. The display 302 on Mario's phone can show dialer devicereceiving information 308 which shows, in the same example, that Jillconfirmed her food purchase. As shown in FIG. 5, during the end of avoice call and after receiving new content from the server 104, thedevices can show additional messages. Nonlimiting examples of suchadditional messages can be summary messages 309, recommendation messages310, and data synchronization messages 311.

As described in a system diagram provided by FIG. 6, the dialer device501 with a dialer and the receiver device 502 could include additionalsoftware elements to help facilitate the functioning of the commercialdata platform. For example, each device could include a display managerand a database. In one example shown in FIG. 6, the dialer device 501can have a display manager 503 and be connected to a cloud database 504,and the receiver device 502 can have display manager 505 and beconnected to the same cloud database 504. The display managers 503 and505 could continuously receive content from all data sources in theplatform and display content based on the configuration of the deviceowner's account with the platform. Display managers 503 and 505 performlocal display management functions for the devices on which they areinstalled. A cloud database 504 can include the qualities and functionof a local database, a platform database, and other databaseconfigurations that can be used with commercial data platform. Thedisplay managers 503 and 505 could work in combination with theinteraction manager to request data from the cloud database 504, andfilter data delivered from the server before that data was presented onthe device. For example, the interaction manager could indicate that auser was being provided with a set of gold coins, and the displaymanager 503 could select a particular image from the cloud database 504that the user had selected to represent those coins. The displaymanagers 503 and 505 could be programmed to generate display content fordisplays on the devices 501 and 502 using the interaction data from thecloud database 504. For example, the interaction data could include asale offer generated by a receiver for delivery to the dialer device 501through the database and server while the display content constituted animage used to make the sale offer visually appealing. The image could bestored in the cloud database 504 in association with the receiver'sphone number and/or unique identifier. The display managers 503 and 505could generally format content provided by the interaction manager forthe displays on the respective devices 501 and 502. As such, thedevelopment effort associated with cross platform implementation couldbe lessened as the display managers 503 and 505 could be more heavilyaltered while the interaction manager stayed relatively stable withdifferent implementations. The cloud database 504 could be managed by alocal database manager locally installed on the system devices. Forexample, the dialer device 501 could have a local database manager 506and the receiver device 502 could have a local database manager 507.Alternatively, system devices can have a local database elementinstalled thereon, enabling local data storage on each device. Deviceswith a local database can operate independently or in concert with acloud database 504 as part of a database network and can be managed bythe local database managers of the respective devices, such as localdatabase managers 506 and 507. The dialer device 501 local databasemanager 506 could be programmed to obtain data from interaction dataregarding past interactions between a specific dialer and receiverwhenever the dialer initiates a new call between the dialer device 501and the receiver device 502. Past interactions stored in a databasecould include a transaction history of, or notes about, thecommunicating party, as shown on the example device displays illustratedin FIG. 6. The cloud database 504 could also be used to limit the amountof traffic on the network between the server and the dialer device 501by storing data that was frequently accessed by the display manager 503on a particular device. For example, if Jill was a regular customer ofMario's, then Mario's logo could be stored on Jill's device forretrieval every time her phone loaded Mario's profile. The localdatabase manager could assure that certain dialer, receiver, orinteraction content data persisted on the device between interactionsfor this purpose.

The user interface presented to the user could take on numerous forms.The user interface can display controls and information for the data andvoice channels separately or simultaneously. The data channel interfacecould be shown alongside a dialer application and be provided by aseparate application, or the dialer application could include anintegrated window for the data channel interface. The data channelinterface could be a screen overwrite, or screen overlay, inside, aspart of, or on the dialer application screen normally unused andunchanging during the call duration, for the data channel interface. Thedialer application screen could be the call screen of a built-in dialerapplication on the dialer device 501 and could display standard controlssuch as an end call button or a mute button. In the specific example ofthe data channel being administrated by a separate platform applicationthat works in combination with a separate dialer, the platformapplication could present sufficient controls for handling both the datachannel and the voice channel. For example, after intercepting the call,the voice channel would remain open, and the platform application wouldcompletely overlay the screen and display a user interface with the datachannel where the interactive data content will appear without the needto switch to an outside additional application. Controls such as “mute”and “speaker phone” would now be available within the same userinterface, and there would be no need to return to the original dialerapplication interface. If at any time during the call, the user wouldlike to return to the original dialer application interface thatinitiated the call, the user could hit an icon on the user interface andreturn to the original dialer screen.

The devices used in combination with the platform could also include areal-time interaction manager and call manager 508. The call manager 508could support continuation of a voice call, and the voice call itself,allowing the users to access the dialer and phone controls as needed.The call manager 508 could also support the voice channel independentlyof the data channel. The real-time interaction manager couldcontinuously manage the interactions between a caller and receiver tomake sure that all their interactions are logged in the cloud database504. The real-time interaction manager could write and read data to andfrom the cloud database 504 and third-party external databases. The twocomponents together could support the simultaneous use of multipledevices for the voice and data channel. The interaction manager couldalso manage and store all interaction threads 506 and activities duringan ongoing communication over the data channel. The real-timeinteraction manager could include software stored on either device,including the interaction managers mentioned above, as well as softwareon the server of the platform. The interaction managers could manage atleast two interaction threads 506 between the dialer device and thereceiver device and would likely manage many more depending upon thelevel of interactivity provided over the data channel. Alternatively andwith respect to the embodiments described above, the functions of theinteraction manager and the real-time interaction manager can beimplemented in the commercial data platform system by an interactionmanagement system 509. The interaction management system 509 can beoperated remotely using a cloud-based system, and can be incommunicative connection with both the dialer device 501 and thereceiver device 502 to perform the interaction manager functions forboth devices.

The software modules and components on the devices involved with thedata channel that are described above, such as the display managers 503and 505 and interaction manager, could be administrated by a singleapplication or multiple applications. In addition, the dialer and callmanager 508 that are involved with the voice channel could beadministrated by a single application or multiple applications.Furthermore, the components associated with either channel could beadministrated by a single application or multiple applications. In oneapproach, a single application provided by the platform administratorand stored on a device, such as a dialer's smartphone, could include anintegrated dialer such that the application both initiated a phone call,alerted the platform to open the data channel, and administrated bothchannels during the call. The dialer, as a module of that application,could be programmed to receive the receiver phone number and/or otherunique identifier prior to initiating the call and transmit the receiverphone number and/or other unique identifier to the server for purposesof obtaining receiver content for display to the dialer, and setting upthe data channel. In another approach, two separate applications couldbe involved with dialing and communicating with the platform. The dialercould be a built-in dialer application on a smartphone operating system.The dialer could alternatively be a module in another third-partyapplication installed on a smartphone or other computing device'soperating system such as an integrated dialer in a social networkingapplication. In a smartphone implementation, the separate applicationused to intercept the receiver phone number and/or unique identifier onbehalf of the platform could be another application on the smartphoneoperating system with read phone state permission. The separateapplication could then receive a broadcast indicating that the dialerwas initiating a call, obtain the receiver phone number from thebroadcast, and transmit the receiver phone number and/or other uniqueidentifier to the server. In either case, the application that is usedto pass the receiver phone number and/or other unique identifier to theplatform could be provided by the platform administrator through anetwork content distribution system such as an application store.

The applications could be installed and maintained on the user'sdevices. In one scenario, a potential user downloads the platformapplication to their mobile device and installs the application. At thesame time the user could configure their mobile device to receiveupgrades to the application over time. The user could then configuretheir platform application such as by setting their profile, customizinga storefront, configuring which profiles are shown to which users, andother options. The user can invite other users to join the platformusing by sending invitations out from within the application interface.The user can provide a command to send an invitation to specific peoplesuch as via the entry of their phone numbers in the application. Theplatform would then send out text messages to those users with a link todownload the application.

Another way to invite users to join the platform is to simply call them.A user does not need to have the platform application installed toreceive a call from a user who is. The receiver can receive a call inthe same way that they always do, and can then be invited to join theplatform while on the call. However, the application on the dialerdevice could receive a response from the platform that the receiver wasnot yet in the system. A user interface element could then be presentedon the display of the dialer device, possibly alongside a temporaryprofile for the receiver that was generated dynamically, informing thedialer that they can invite the receiver. Upon selection of this userinterface element, the platform could send a text message to thereceiver device with a link to download the platform application. Thedialer could be incentivized to invite the receiver through the user ofincentives such as currency with the platform, coupons, or otherincentives. The platform could customize the incentive and display italongside the user interface element based on an identity of thereceiver or dialer. To assure adoption, the dialer could be providedwith an auditory queue over the phone to indicate that the receiver hadindeed either received the text message, or installed the application ontheir device. The auditory queue could be provided over the voicechannel to assure that both the dialer and receiver could hear when thereceiver took steps to join the platform.

The commercial data platform can, as mentioned above, be made extensiblevia access to additional source of data such as third-party databases.Furthermore, the commercial data platform can be made extensible throughthe use of APIs used to interact with entirely separate platforms. Inone particular example, the platform database can be used as a source oftruth for an external incentives platform. The real-time interactionmanager of the commercial data platform can be used to synchronizecertain portions of the commercial data platforms database with anexternal database through the use of APIs. One type of synchronizing APIcan be distributed ledger technology. Distributed ledgers can comprisedata sets that are stored and synchronized over multiple storagelocations. Distributed ledgers and, equivalently, the data of which adistributed ledger is comprised, can be stored on a network of devicescalled a distributed ledger network. One example of distributed ledgerdata can be a set of ledger tables for an incentives platform wherevendors and customers are able to exchange coins or cards for goods andservices. Another example of distributed ledger data can be a first setof interaction data and a second set of interaction data that form acommercial transaction and are stored in association with the twoparties to the transaction. For example, the first and second sets ofinteraction data can comprise a purchase order and an invoice.Interactions taking place on the commercial data platform can involvethese external incentives platforms in the sense that data can be takenfrom those external platforms or pushed to those external platforms. Inthis situation, a customer is rewarded with an incentive from a sellerfor referring another customer to the seller. All of the manyinteractions associated with that set of transactions are facilitatedand recorded by the commercial data platform and are used to update theexternal incentives platform. Therefore, through the use of APIs and thereal-time interaction manager any number of external services can beadded as services to the commercial data platform essentially mining thedata from all of the interactions that occur on that platform into asingle frictionless system that ensures full commercial trackability andtraceability as to which vendor merchant and referring customer addedvalue to the chain of interactions to be compensated with agreed rewardspayable for example in gold coins and accruable incentives.

The Simultaneous Voice and Data Content Driven Commercial Data Platformwill track, to the greatest level of detail possible, the comprehensiveset of all interactions that occur between the numerous entitiestransacting business, including interactions between networks ofentities and themselves or other entities, in a reliable, secure, andabove all trusted manner. Supporting these transactions, and anyincentives and rewards system, will require support for any number ofcurrencies including traditional country specific currencies, a platformproprietary currency, and any accepted externally recognizedcryptocurrencies. The Commercial Data Platform will facilitate thesecurrencies' inter-convertibility, for example through a series ofsequential debit and credit transactions using different currencies, andact as a currency exchange. Currencies usable with the Commercial DataPlatform can include stored bank account funds backed by variousnational entities in the global banking system, cryptocurrency funds,and credit card funds. The ledger of transactions representing alltransactions, regardless of currency, must be tamper-proof and,therefore, the Commercial Data Platform will make full use of therepertoire of any current or future mechanisms, systems, processes, andtechnologies to construct and insure ongoing trusted, secure, scalable,and protected Commercial data platform integrity comprising of, but notlimited to, the use of technologies such as a Distributed LedgerTechnology (DLT) like Blockchain and Holochain.

Through the use of the commercial data platform and techniques describedabove, a multitude of opportunities for enhanced consumer-to-consumer,business-to-consumer, and business-to-business commercial relationshipsare created. The flow of data between parties both enriches the currentinteractions from which that data is being mined and future interactionsbetween the parties as they build stronger ties and commercialrelationships. To further this goal, the data can be mined and furtherprocessed with big data analytics, artificial intelligence, naturallanguage processing (NLP,) machine learning, deep learning and deepartificial neural networks. These benefits are described below inmultiple scenarios to illustrate some of the rich content andinteractivity that the commercial data platform provides. The scenarioscan, at a top level, be broken down between two sets of scenarios. Inone set of scenarios, the dialer interacts with the receiver using boththe voice and data channels described above. In the other set ofscenarios, the dialer interacts with the receiver using only the datachannels. The scenarios are specific examples of the use of a system inaccordance with this disclosure and are not meant to limit the scope ofthe appended claims. Phonefully is provided as an example of asimultaneous voice and data content driven commercial data platform, thePhonefully proprietary data store (PPDS) is provided as an example ofthe database of the simultaneous voice and data content drivencommercial data platform, the Phonefully App is provided as an exampleof a platform application, the caller is provided as an example of acustomer-dialer, and Mario is provided as an example of avendor-receiver.

While the specification has been described in detail with respect tospecific embodiments of the invention, it will be appreciated that thoseskilled in the art, upon attaining an understanding of the foregoing,may readily conceive of alterations to, variations of, and equivalentsto these embodiments. Any of the method steps discussed above can beconducted by a processor operating with a computer-readablenon-transitory medium storing instructions for those method steps. Thecomputer-readable medium may be memory within a personal user device ora network accessible memory. These and other modifications andvariations to the present invention may be practiced by those skilled inthe art, without departing from the scope of the present invention,which is more particularly set forth in the appended claims.

What is claimed is:
 1. A system comprising: a dialer device with adialer identifier; a receiver device with a receiver identifier; adialer that is programmed to initiate a call between the dialer deviceand the receiver device using the receiver identifier; a server; adatabase; a first interaction manager: (i) stored on the dialer device;and (ii) programmed to transmit a first set of interaction data to thedatabase during the call; and a second interaction manager: (i) storedon the receiver device; and (ii) programmed to transmit a second set ofinteraction data to the database during the call; wherein the server isprogrammed to: obtain receiver content data from the database using thereceiver identifier; transmit the receiver content data to the dialerdevice; obtain dialer content data from the database; transmit thedialer content data to the receiver device; and store data from both thefirst set of interaction data and the second set of interaction data inthe database in association with both the receiver identifier and thedialer identifier.
 2. The system of claim 1, further comprising: adistributed ledger on a distributed ledger network; wherein the serveris communicatively connected to the distributed ledger network; andwherein the distributed ledger includes the first set of interactiondata and the second set of interaction data in association with both thereceiver identifier and the dialer identifier using the server anddistributed ledger technology.
 3. The system of claim 1, wherein: thefirst set of interaction data comprises a purchase order; the second setof interaction data comprises an invoice; and the server is programmedto: (i) obtain the purchase order from the database; (ii) obtain theinvoice from the database; and (iii) generate a payment processingrequest using the purchase order and the invoice.
 4. The system of claim3, wherein: the server is programmed to: (i) debit a dialer account in afirst currency using the payment processing request; and (ii) credit thereceiver account in a second currency using the payment processingrequest; and the first currency and the second currency are selectedfrom: stored bank account funds, cryptocurrency funds, and credit cardfunds.
 5. The system of claim 1, wherein the server is furtherprogrammed to: transmit at least a portion of the first set ofinteraction data to the receiver device during the call; and transmit atleast a portion of the second set of interaction data to the dialerdevice during the call.
 6. The system of claim 1, further comprising: alocal database stored on the dialer device; and a local databasemanager: (i) stored on the dialer device; and (ii) programmed to obtaindata from both the first set of interaction data and the second set ofinteraction data in the database when the dialer initiates a new callbetween the dialer device and the receiver device.
 7. The system ofclaim 1, further comprising: a display manager: (i) stored on the dialerdevice; and (ii) programmed to generate display content for a display ofthe dialer device using at least a portion of the second set ofinteraction data.
 8. The system of claim 7, wherein: the portion of thesecond set of interaction data includes a sale offer generated on thereceiver device for delivery to the dialer device; the display contentincludes an image and the sale offer; and the image is stored in thedatabase in association with the receiver identifier.
 9. The system ofclaim 7, wherein: the server is programmed to: (i) obtain priorinteraction data from the database using the dialer identifier and thereceiver identifier; and (ii) transmit prior interaction data to thedialer device; the display manager is programmed to generate pastinteraction display content for the display of the dialer device usingthe prior interaction data.
 10. The system of claim 1, furthercomprising: a display manager: (i) stored on the receiver device; and(ii) programmed to generate display content for a display of thereceiver device using at least a portion of the first set of interactiondata.
 11. The system of claim 10, wherein: the portion of the first setof interaction data includes a purchaser order and a receipt generatedon the dialer device for delivery to the receiver device.
 12. The systemof claim 10, wherein: the server is programmed to: (i) obtain priorinteraction data from the database using the dialer identifier; and (ii)transmit prior interaction data to the receiver device; the displaymanager is programmed to generate past interaction display content forthe display of the receiver device using the prior interaction data; andthe prior interaction data is a purchaser order placed with a thirdparty by the dialer during a prior call to the third party.
 13. Thesystem of claim 10, further comprising: a data channel connecting thedialer device and the receiver device, wherein the first set ofinteraction data and the second set of interaction data are providedover the data channel; a voice channel connecting the dialer device andthe receiver device, wherein the call is provided over the voicechannel; an overlay within a dialer application screen on the dialerdevice; a second overlay within a receiver application screen on thereceiver device; wherein the display content is presented on theoverlay; wherein the display manager generates controls for the datachannel on the overlay; wherein the dialer application screen ispresented by the dialer device upon a formation of the voice channel andindependent of a formation of the data channel; and wherein the receiverapplication screen is presented by the receiver device upon theformation of the voice channel and independent of the formation of thedata channel.
 14. The system of claim 1, further comprising: a firstdisplay manager: (i) stored on the dialer device; and (ii) programmed togenerate display content for a display of the dialer device using atleast a portion of the second set of interaction data; and a seconddisplay manager: (i) stored on the receiver device; and (ii) programmedto generate display content for a display of the receiver device usingat least a portion of the first set of interaction data.
 15. The systemof claim 1, wherein: the receiver content data describes a receiverprofile; and the receiver profile includes a company name, a profileimage, and an assigned valuation of a relationship with and for thedialer.
 16. The system of claim 1, wherein: the server is programmed toobtain the receiver content data from the database using both thereceiver identifier and the dialer identifier; the receiver content datadescribes a receiver profile; and the receiver profile is customized forthe dialer.
 17. The system of claim 1, wherein the server is programmedto: identify an absence of the receiver content data in the database;and dynamically generate the receiver content using a web search or athird-party API using the receiver identifier.
 18. The system of claim1, wherein: the dialer content data describes a dialer profile; thedialer profile includes a user name, a profile image, and an assignedvaluation of a relationship with and for the receiver device.
 19. Thesystem of claim 1, further comprising: the server is programmed toobtain the receiver content data from the database using the receiveridentifier and the dialer identifier; the dialer content data describesa dialer profile; and the dialer profile is limited using adialer-configurable setting and a confidence level associated with thereceiver device.
 20. The system of claim 1, further comprising: anapplication stored on the dialer device; wherein the dialer device is amobile phone with an operating system; wherein the application has readphone state permission with the operating system; and wherein theapplication is programmed to: receive a broadcast indicating the dialeris initiating a call; obtain the receiver identifier from the broadcast;and transmit the receiver identifier to the server.
 21. The system ofclaim 1, further comprising: an application stored on the dialer device;wherein the dialer device is a mobile phone; wherein the dialer is amodule of the application; and wherein the application is programmed to:receive the receiver identifier prior to initiating the call; andtransmit the receiver identifier to the server.
 22. The system of claim1, wherein: the call is held over one a circuit-switched network; thefirst set of interaction data, the second set of interaction data, thedialer content data, and the receiver content data are sent over apacket-switched network; and the first interaction manager and thesecond interaction manager manage at least two interaction threadsbetween the dialer device and the receiver device.
 23. The system ofclaim 1, wherein: the call is held over one a packet-switched network;the first set of interaction data, the second set of interaction data,the dialer content data, and the receiver content data are sent over oneof the packet-switched network or a second packet-switched network; andthe first interaction manager and the second interaction manager manageat least two interaction threads between the dialer device and thereceiver device.
 24. The system of claim 1, wherein the server isfurther programmed to: transmit a text message to the receiver device inresponse to a command from the dialer device; wherein the text messageincludes a link to download an application to the receiver device. 25.The system of claim 24, further comprising: an application stored on thedialer device; wherein the application is programmed to: (i) present auser interface element on a display of the dialer device during thecall; and (ii) transmit the command to the server in response to aselection of the user interface element.